The right checking account can build a strong foundation — find one tailored to your unique needs.
The right savings account helps you grow toward your goals — find one that fits your needs and lifestyle.
Manage your Patelco accounts effortlessly with our comprehensive support services.
Low rates, no annual fees — Patelco credit cards fit every lifestyle and financial goal.
Flexible loans and lines of credit to consolidate debt or cover life’s big expenses
Flexible lending options and programs for new and existing homeowners.
Take advantage of one of life’s biggest investments.
Drive off with an affordable new or used vehicle, or save on one you already own.
Have your fun and freedom with a great loan that fits into your financial plan.
Explore payment options and answers to commonly asked questions about loan payments with Patelco.
Up to $50,000. As low as 11.65% APR.
Get support managing your personal loans and much more.
Learn more about our local expertise, guidance and personal service.
Get support managing your loans.
Get support managing your auto loans and much more.
Get support managing your debit and credit cards and loans.
Tailored investment solutions to help you plan, invest, and secure your financial future.
Comprehensive insurance solutions to protect your assets and loved ones.
Complimentary one-on-one guidance from our Certified Financial Specialists.
Connect with us and find the right insurance option that fits your needs.
We provide a number of banking solutions to help your small business grow with peace of mind and personalized service.
Help your business grow with the convenience of our worry-free checking account.
Enjoy the convenience of higher transaction limits with low monthly fees.
Earn rewards points on your purchases with extra security features, tools and benefits.
Ensure peace of mind and keep your business going with overdraft protection.
Everything your business needs — from hardware to software — to process payments.
Simple and secure Payroll Solutions to help you better manage your business.
A convenient, secure account that helps your business grow with no monthly fee.
Get the most out of your Patelco Business relationship with a rate as high as 3.25% APY.
Meet with our Virtual BranchTM to open your account from the comfort of your home or business. You can schedule a video appointment or meet instantly with a Patelco team member.
Patelco’s Digital Banking provides secure, convenient access to your accounts anytime, anywhere. Manage your finances effortlessly with our comprehensive suite of online and mobile services.
Sign up for Patelco Online™ to access and manage your accounts securely.
Schedule a video appointment or meet instantly with a Patelco team member.
Send and receive money instantly with friends and family using Zelle®.
Manage accounts, pay bills, and transfer funds securely from any device.
Transfer funds between accounts or send money to others quickly and securely.
Bank on the go: check balances, deposit checks, send money and more.
Schedule and manage your bill payments online with ease and confidence.
Make secure, contactless payments using your mobile device at participating merchants.
Download our Mobile App to check your balance, make transfers, pay bills, deposit checks, plan and save securely and conveniently from your phone or tablet.
Patelco Credit Union is a full-service, not-for-profit financial cooperative dedicated to helping members and communities prosper. With nearly $10 billion in assets and over 550,000 members nationwide, we are one of the largest credit unions in the nation.
Learn more about Patelco’s community values, service in action, impact, events and partnerships.
As your trusted financial partner, we’re solely focused on helping our members build and sustain their best financial lives. Learn what makes Patelco membership different.
Get expert guidance, tools and support to take control of your financial future — from fraud prevention to education, relief options, and personalized advice.
Protect yourself from scams with tools, alerts, and tips to keep your info secure.
Explore financial hardship resources, loan relief options, and personalized support.
Tune in for expert interviews and real-life stories to help you master your money.
Get one-on-one coaching and tailored financial guidance from our financial specialists.
Join live and on-demand webinars to grow your financial knowledge and confidence.
Access tools, articles, and interactive course to support smarter financial decisions.
Access articles, guides, and tools to enhance your financial knowledge.
Access to your accounts anywhere, anytime
Best-in-class tools and technology to protect members and their accounts, and preventing fraud before it happens. We’re thinking about it so you don’t have to.
Patelco provides in-person and virtual fraud support that’s personal, adapted to your style, and protects your present and future financial health and wellbeing.
From digital alerts to card management and authentication, we’re committed to helping members easily protect their accounts, and quickly responding in the event of fraud.
We’re focused on researching, collecting and providing members with the best resources to educate them on recent scams, account protection and how to report fraud.
A BankSafe® certified program for elderly members focusing on proactive intervention and escalation. Prevented ~ $5.3 million in potential member losses
Establishing an upstream understanding of member account behavior to detect discrepancies stemming from potential unauthorized usage
Developing best-in-class technology that identifies behaviors indicative of fraud so we can stop bad actors in their tracks
Identity management capabilities within Online Banking to prevent fraudulent activity and verify authentic use
Consistent training for front-line Patelco staff to ensure they’re up to date on the latest fraud trends and best equipped to address member needs
Patelco provides ways to recover funds, dispute charges with merchants, and ensures members feel protected in case of unauthorized activity
5,000+
member fraud cases resolved
$10,000,000
in member losses prevented
97%
fraud issues resolved in 2 days
25,000+
members received our support
MT I’ve been banking with Patelco since 1994. Recently I got scammed and my account got hacked. It happened in a Friday and Saturday morning I went straight to the Campbell branch nearest me…(they) immediately started an escalated process of reporting the incident to the fraud department. (They) assured me that it happens to many people […]
Lowe This past April, I was a victim of online banking fraud and being a senior citizen, age 66 elder abuse. Somehow some person(s), gained access to my Patelco Credit Union checking account. When I found out a day or two later, the damage had been done. Shamed and embarrassed, I reluctantly when into my home […]
Wayne I. I would just like to thank Patelco again today. I had some fraud – maybe $600 – on my checking account. They notified me, and I called them up. They took care of it and I have no doubt that everything will be fixed. They’ll send me a new card…don’t get that with other banks. […]
XJ Patelco is the best Credit Union and personal bank you can find! They do an excellent job of protecting your digital transactions. Best customer experience of any bank I’ve used in the past 30 years. They also have a top-notch fraud investigating team. I recently had my card number stolen while shopping at a small […]
Fraudsters have become more proficient at faking caller ID – so just because your phone shows Patelco, that doesn’t mean it’s really us.
Red flags include someone calling you to ask information we already know – such as your card number, Social Security number, mother’s maiden name, etc. We already have this information and will never call to ask.
When in doubt, disconnect and call us at our known number, 800.358.8228.
With people using the internet to pretty much do everything, online scams are on the rise. Read more about the top internet scams here.
As text messaging becomes more prevalent around the world, text message scams are also becoming more common. Read more about text message, or “smishing,” scams here.
All sorts of financial services are available to help you manage your finances, and many will require you to share your data with them. Learn more about how data sharing works, what you should consider when asked to share your data, and how to protect your data and accounts. Read more about sharing data on financial apps here.
In 2021, over 92,000 victims over the age of 60 reported losses of $1.7 billion to the IC3. The top scams targeting are government impersonation scams, sweepstakes and lottery scams, robocalls and phone scams, computer tech support scams, and grandparent scams. Read more about fraud against elders here.
Watch Patelco members, Barbara and Elmer, discuss three simple steps to protect your identity and finances.
Review all debit and credit card transactions regularly, report any discrepancies and sign up for card alerts
It’s common for fraudsters to impersonate people or companies. Be vigilant and don’t click on suspicious links or emails
Don’t provide information such as Social Security Number, credit card or bank account numbers to anyone you don’t know
